Trying to understand when this falls off my credit. which date?
SO I had some bad financial hardships several years ago, and end result is I wound up with a repo on a car, I just could not afford the payments on. I made allot more money when I took the loan out and...
View ArticleClosed collection with balance?
I have a collection that says it was closed in September 2013, updated in November 2013, but still shows a balance. I may have paid the OC but can't remember. What's the best way to get this deleted?
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How to save money with Credit Check Total
CALL them to cancel your membership and make sure to select the option to speak directly with an agent in order to cancel your membership. Let the agent know that you would like to cancel your...
View ArticleCollections Account
Wanted to see if anyone else has had this happen.... I have a collections account that was paid over a year ago. Sometime last year I was able to get them to remove the account from my CR. Last month...
View Articleinconsistent reporting among bureaus
When comparing my credit reports i noticed that, Experian is not reporting the same way as Equifax and Tran are. Acct #1) I have 12 lates on EQ and TU, but only 2 lates on Experian. Acct #2) I have...
View ArticleComenity Capital/Synchrony Amazon Contacts
Good morning all, In trying to move forward with removing all of my baddies could someone please provide me with any contact info for Commenity Capital (Gamestop) and Synchrony Amazon? I've looked for...
View ArticleCap1 statement reporting
I have a new cap1 card that statement cuts on Saturday and currently has been PIF. I wanna make sure it reports with a $0 balance but I want to buy a ticket for Disney world for a day trip next week....
View ArticlePoint value appx for derogs and public records
Can anyone share their experience with how much their FICO scores changes with the removal of derogs and public records? My experience so far has been:One collection account removed from Experian took...
View ArticleYeah Booyyy call BOA today!
I decided to call bank of America to graduate my secured card. I only had a $300 limit on there. So I called and spoke with credit analyst she said if I just want my deposit return they would do soft...
View Articledebt collector being over aggressive
can a debt collector report all of these on the same vehicle every month? I had a car repossesed and a judment was filed on it. It was a recalled lawsuit on a transmission that destroyed the vehicle...
View ArticleWalmart/synchrony representative...smh
Still stuck at 220 CL on this stupid store card...hit 658 TU today which is lovely considering where I was.Anyways...Called backdoor again to get a CLI...and of course No. I made a joke "man you guys...
View ArticleTwo specific collections account questions
I have three total collections accounts, two of which are with the same company - about $1000 (combined) with AR Resources and the other is about $50 with Receivable Management Group. These were...
View ArticleMedical Collections
I have five medical collections, 3 with HealthCare Collections, 1 with West Asset Management, and 1 with AdvantageOne. All of these collections are under $200, and at least a year old. What is the best...
View ArticlePenFed Checking Account Overdraft question
I was approved for a $500 overdraft protection on my checking account. Does this get reported as a trade line?
View ArticleThis account is haunting me
I have this account that keeps reporting monthly that it is over the limit and it is a bad debt. How much longer will this be on my report? I believe when this dropps off, my score will have a nice...
View ArticleUT Question
I have read numerous times about letter the total UT report 9% on 1 card with the rest zero. Wouldn't it be the same to have balances on all cards at 9%. Would there be a score difference to have all...
View ArticleAdvice on building mortgage scores
Hi I'm currently in the process of having a home built. I've been approved but I'm trying to raise my scores for the final credit pull that will likely happen in like 6-9 months when the home gets a...
View ArticleStarting to rebuild, please help (judgement/eviction)
Trying to get my score up, here's what I'm currently dealing with. In May 2009 I had a landlord file for eviction against me in Indiana. This was entirely my fault and I take accountability here. I...
View ArticleCredit Score Card
For anyone who is interested Discover just launched a new site, www.creditscorecard.com that is free and gives you your EX FICO score once a month. This is the only site that I know of that gives you...
View Article3 Collection reports deleted this morning!
I just had 3 collection reports deleted from back in 2009 on my EQUFIAX this morning. Score went from 590 to 665. Now only 2 more left.Transunion and Experian never had these accounts on it to start...
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